Banca Ifis SPA (IF) AI Stock Analysis

• Market Cap: €1.37B
• Dividend Yield: 8.44%
• Average Volume (3M): 145.18K
• Price to Earnings (P/E): 4.8
• Beta (1Y): 0.88
• Revenue Growth: -3.63%
• EPS Growth: -5.12%
• Country: IT
• Employees: 2,013
• Sector: General
• Sector Strength: N/A
• Industry: Banks - Regional
• EPS (TTM): 4.13
• Shares Outstanding: 61,540,455
• 10 Day Avg. Volume: 166,734
• 30 Day Avg. Volume: 145,175
• PEG Ratio: 0.07
• Price to Book (P/B): 0.74
• Price to Sales (P/S): 1.51
• P/FCF Ratio: -9.41
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: €29.30
• Price Target Upside: 29.42% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2
• EPS Forecast (FY): 2.49
• Revenue Forecast (FY): €885.00M

• Rating: 62 Neutral
• Price Target: €23.00 ▲(1.59% Upside)
• Action: Downgraded Date: 03/31/26
• Date: Action: Downgraded 03/31/26

The score is driven primarily by improved profitability and very attractive valuation (low P/E and high dividend yield). These positives are tempered by elevated financial risk from negative cash flow over the last two years and sharply higher leverage, while technical indicators point to a prevailing downtrend.

Positive Factors

Specialty finance & NPL servicing

Banca Ifis’s core franchise combines factoring/working-capital lending with NPL investment and servicing, creating diversified interest and fee income streams. This vertical integration and specialist skill set support durable revenue capture and recurring servicing fees across credit cycles.

Negative Factors

Negative operating & free cash flow

Two consecutive years of negative operating and free cash flow weaken earnings quality and force reliance on external funding or asset disposals. For a lending and NPL-heavy business, persistent cash deficits raise refinancing, liquidity and execution risks over the coming months.

Banca Ifis SPA Business Overview & Revenue Model

Company Description

Banca IFIS S.p.A. provides credit services and solutions for enterprises. It engages in the purchase/management of non-performing loan portfolios. It offers factoring, advisory and equity investment, structured finance, leasing, and long-term fina...

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Banca IFIS S.p.A. provides credit services and solutions for enterprises. It engages in the purchase/management of non-performing loan portfolios. It offers factoring, advisory and equity investment, structured finance, leasing, and long-term fina...

How the Company Makes Money

Banca Ifis primarily earns money through a combination of interest income and fee/commission income generated by specialty finance and credit-management activities. (1) Specialty finance / factoring: it generates interest revenue by financing clie...

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Banca Ifis primarily earns money through a combination of interest income and fee/commission income generated by specialty finance and credit-management activities. (1) Specialty finance / factoring: it generates interest revenue by financing clie...

Banca Ifis SPA Financial Statement Overview

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	1.02B	1.04B	1.04B	941.90M	683.73M	621.62M
Gross Profit	1.02B	922.63M	607.08M	598.84M	569.49M	507.47M
EBITDA	254.73M	413.63M	268.60M	255.14M	228.71M	167.77M
Net Income	155.08M	328.00M	161.58M	160.11M	141.09M	100.58M
Balance Sheet
Total Assets	13.96B	21.65B	13.83B	14.05B	13.26B	12.98B
Cash, Cash Equivalents and Short-Term Investments	409.63M	814.76M	579.01M	883.83M	610.36M	708.57M
Total Debt	2.87B	7.46B	3.67B	5.17B	2.74B	2.62B
Total Liabilities	12.16B	19.51B	12.08B	12.36B	11.66B	11.35B
Stockholders Equity	1.78B	2.12B	1.73B	1.68B	1.59B	1.60B
Cash Flow
Free Cash Flow	0.00	-165.93M	-223.72M	400.73M	382.38M	52.79M
Operating Cash Flow	0.00	-118.77M	-191.52M	445.41M	399.95M	73.42M
Investing Cash Flow	0.00	94.70M	-50.66M	-105.85M	-17.51M	73.54M
Financing Cash Flow	0.00	306.34M	-110.34M	-85.16M	-134.69M	-83.18M

Banca Ifis SPA Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 22.64
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IT:IF, the sentiment is Negative. The current price of 22.64 is above the 20-day moving average (MA) of 22.02, below the 50-day MA of 24.13, and below the 200-day MA of 23.23, indicating a bearish trend. The MACD of -0.72 indicates Negative momentum. The RSI at 42.48 is Neutral, neither overbought nor oversold. The STOCH value of 34.64 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IT:IF.

Banca Ifis SPA Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BPE	79 Outperform	€23.69B	12.53	13.48%	6.09%	5.23%	3.54%
CE	73 Outperform	€5.18B	8.39	13.87%	6.23%	-7.81%	4.89%
BAMI	66 Neutral	€19.04B	5.75	18.92%	8.25%	2.23%	72.08%
IF	62 Neutral	€1.37B	4.76	16.33%	8.44%	-3.63%	-5.12%
BDB	58 Neutral	€1.19B	9.76	7.87%	4.86%	-5.81%	-11.05%
Sector *	55 Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%
DOV	47 Neutral	€403.58M	-69.77	-12.79%	―	22.48%	69.78%